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Benefit                                                    Network                      Out-of-Network
                                                 Therapy and Rehabilitation Services
       Physical Medicine                                     100% after $15 copayment           80% after deductible
                                                          Limit: 70 visits per benefit period combined with Occupational and Speech Therapy
       Occupational Therapy                                  100% after $15 copayment           80% after deductible
                                                        Limit: 70 visits per benefit period combined with Physical Medicine and Speech Therapy
       Speech Therapy                                        100% after $15 copayment           80% after deductible
                                                                Limit: 70 visits per benefit period combined with Physical Medicine
                                                                              and Occupational Therapy
       Respiratory Therapy                                                 100% (deductible does not apply)
       Spinal Manipulations                                  100% after $15 copayment           80% after deductible
                                                                            Limit: 20 visits per benefit period
       Other Therapy Services (Cardiac Rehab, Infusion Therapy,      100%                       80% after deductible
       Chemotherapy, Radiation Therapy and Dialysis)
                                                   Mental Health/Substance Abuse
       Inpatient                                                     100%                       80% after deductible
       Inpatient Detoxification/Rehabilitation
       Outpatient                                            100% after $15 copayment           80% after deductible
       Autism(2)                                                     100%                       80% after deductible
                                                         Other Services
       Allergy Extracts and injections                               100%                       80% after deductible
       Assisted Fertilization Procedures                                           Not Covered
       Dental Services Related to Accidental Injury                  100%                       80% after deductible
       Diagnostic Services                                           100%                       80% after deductible
         Advanced Imaging (MRI, CAT, PET scan, etc.)
         Basic Diagnostic Services (standard imaging, diagnostic     100%                       80% after deductible
         medical, lab/pathology, allergy testing)
       Durable Medical Equipment, Orthotics and Prosthetics          100%                       80% after deductible
       Hearing Care Services                                         100%                       80% after deductible
                                                                        Limit: One hearing aid per ear per lifetime
       Home Health Care/Visiting Nurse(3)                            100%                       80% after deductible
       Hospice                                                       100%                       80% after deductible
       Infertility Counseling, Testing and Treatment(4)              100%                       80% after deductible
       Private Duty Nursing                                                100% (deductible does not apply)
       Skilled Nursing Facility Care                                 100%                       80% after deductible
                                                                                            Limit: 100 days per benefit period
       Transplant Services                                           100%                       80% after deductible
       Precertification Requirements(5)                                               Yes
                                                        Prescription Drug
       Prescription Drug Deductible
       Individual/Family                                                             None
       Prescription Drug Program(6)(7)                                             Retail Drugs
       Defined by the National Plus Pharmacy Network - Not Physician           $10 Generic copayment
       Network. Prescriptions filled at a non-network pharmacy are not         $20 Brand copayment
       covered.                                                               $35 Brand Non-Formulary
                                                                                Mandatory generic
                                                                                  31 day supply

                                                                         Maintenance Drugs through Mail Order
                                                                               $20 Generic copayment
                                                                               $40 Brand copayment
                                                                              $70 Brand Non-Formulary
                                                                                Mandatory generic
                                                                                  90 day supply
                                                Questions?  1-800-701-2324
      (1)  Your group's benefit period is based on a Calendar Year which runs from January 1 to December 31.
      (2)  Coverage for eligible members. Services will be paid according to the benefit category, i.e., speech therapy. Treatment for autism spectrum disorders does not reduce visit/day limits.
      (3)  The maternity home health care visit for network care is not subject to the program copayment, coinsurance or deductible amounts, if applicable. See Maternity Home Health Care Visit in the Covered
         Services section.
      (4)  Treatment includes coverage for the correction of a physical or medical problem associated with infertility.  Infertility drug therapy may or may not be covered depending on your group’s prescription drug
         program.
      (5)  BCBS Medical Management & Policy (MM&P) must be contacted prior to a planned inpatient admission or within 48 hours of an emergency or maternity-related inpatient admission.  Be sure to verify that
         your provider is contacting MM&P for precertification.  If not, you are responsible for contacting MM&P.  If this does not occur and it is later determined that all or part of the inpatient stay was not medically
         necessary or appropriate, you will be responsible for payment of any costs not covered.
      (6)  Prescriptions are covered as long as they are listed on the prescription drug formulary applicable to your plan. To obtain a prescription medication that is not included on this formulary, your provider must
         complete the 'Prescription Drug Medication Request Form' and return it to the Pharmacy Affairs Department for clinical review. Under the mandatory generic provision, you are responsible for the payment
         differential when a generic drug is available and you or your provider specifies a brand name drug.  Your payment is the price difference between the brand name drug and the generic drug in addition to the
         brand name drug coinsurance amounts, which may apply.
      (7)   Certain retail participating pharmacy providers may have agreed to make covered medications available at the same cost-sharing and quantity limits as the mail order coverage. You may contact Highmark at
         the toll-free number or the Web site appearing on the back of your ID card for a listing of those pharmacies who have agreed to do so.
      (8)   Services are provided for acute care for minor illnesses. Services must be performed by a Highmark approved telemedicine provider. Virtual Behavioral Health visits provided by a Highmark approved
         telemedicine provider are eligible under the Outpatient Mental Health benefit.

      This is not a contract. This benefits summary presents plan highlights only. Please refer to the policy/plan documents, as limitations and exclusions apply.  The policy/ plan documents control in the event of a
      conflict with this benefits summary




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